| Metric | Bank of the Orient | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +18.9% | +5.5% | +13.5 pts |
| Deposit growth (YoY) | +21.5% | +5.1% | +16.4 pts |
| Loan growth (YoY) | +19.2% | +5.9% | +13.2 pts |
| ROA | 0.76% | 1.26% | -0.5 pts |
| ROE | 6.5% | 12.2% | -5.6 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.21B | $1.05B | $977.0M | $137.4M | $4.4M | 0.76% | 3.51% | 1.76% |
| Q1 2026 | $1.16B | $996.3M | $957.5M | $135.4M | $2.5M | 0.87% | 3.61% | 0.66% |
| Q4 2025 | $1.12B | $953.5M | $939.9M | $132.8M | $7.0M | 0.68% | 3.66% | 0.70% |
| Q3 2025 | $1.05B | $892.6M | $860.8M | $131.9M | $6.1M | 0.81% | 3.67% | 0.93% |
| Q2 2025 | $1.02B | $865.1M | $819.9M | $129.5M | $3.9M | 0.79% | 3.65% | 1.11% |
| Q1 2025 | $982.5M | $825.2M | $792.3M | $133.0M | $1.9M | 0.77% | 3.62% | 0.41% |
| Q4 2024 | $965.0M | $807.7M | $782.6M | $130.6M | $7.6M | 0.82% | 3.63% | 0.46% |
| Q3 2024 | $972.9M | $815.2M | $774.0M | $129.3M | $5.2M | 0.74% | 3.64% | 0.06% |
Loan mix (Q2 2026): real estate $955.6M · commercial $34.4M · consumer $0 · securities $31.9M
| Ratio | Bank of the Orient | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.76% | 1.26% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | 6.5% | 12.2% | 13th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.51% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 67.1% | 59.0% | 73th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of the Orient | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of the Orient | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of the Orient | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of the Orient | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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